Pengaruh financial literacy dan financial attitude terhadap perilaku masyarakat yang bekerja di bidang jasa kurir dalam mengelola keuangan

Slamet Wahyudi, Maryam Nadir

Abstract


Tujuan dari penelitian ini adalah untuk menguji apakah ada pengaruh Financial Literacy dan Financial Attitude terhadap Layanan Kurir di Kota Samarinda. Sampel penelitian ini sebanyak 80 responden. Metode analisis menggunakan pendekatan Partial Least Aquare (PLS). Hasil penelitian ini menunjukkan bahwa Literasi Keuangan berpengaruh positif dan signifikan terhadap Perilaku Manajemen Keuangan. Namun, Financial Attitude berpengaruh positif dan tidak signifikan terhadap Financial Management Behaviour.


Keywords


Financial literacy; financial attitude; financial management behaviour

References


Abdilah Willy dan Jogiyanto hartono. (2015). Partial Least Square (PLS)- Alternatif Structural Equation Modelling (SEM) dalam Penelitian Bisnis (Pertama). Penerbit ANDI.

Ahmad, Z., Simun, M., & Masuod, M. S. (2014). Determinants of Financial Behaviours among Malaysians. Indonesian Capital Market Review, 2(2), 121–132. https://doi.org/10.21002/icmr.v2i2.3663

Amalia Nusron, L., Wahidiyah, M., & Setyo Budiarto, D. (2018). Antecedent Factors of Financial Management Behavior: An Empirical Research Based on Education. KnE Social Sciences, 3(10), 437. https://doi.org/10.18502/kss.v3i10.3146

Amanah, E., Iradianty, A., & Rahardian, D. (2016). Pengaruh Financial Knowledge , Financial Attitude Dan External Locus of Control Terhadap Personal Financial Management Behavior Pada Mahasiswa S1 Universitas Telkom the Influence of Financial Knowledge , Financial Attitude and External Locus of Control on. E-Proceeding of Management, 3(2), 1228–1235.

Anggraeni, B. D. (2016). Pengaruh Tingkat Literasi Keuangan Pemilik Usaha Terhadap Pengeloaan Keuangan. Studi Kasus : Umkm Depok. Jurnal Vokasi Indonesia, 4(1). https://doi.org/10.7454/jvi.v4i1.50

Borden, L. M., Lee, S. A., Serido, J., & Collins, D. (2008). Changing college students’ financial knowledge, attitudes, and behavior through seminar participation. Journal of Family and Economic Issues, 29(1), 23–40. https://doi.org/10.1007/s10834-007-9087-2

Calamato, M. P. (2010). Learning Financial Literacy in the Family. ProQuest, 1(December), 1–19. http://ezproxyucdc.ucatolica.edu.co:2053/docview/849722542/abstract/528FDFB65AE84F45PQ/162?accountid=45660

Chen, H., & Volpe, R. P. (1998). Highly efficient measurement technology based on hyper-spectropolarimetric imaging. Zhongguo Jiguang/Chinese Journal of Lasers, 43(8), 107–128. https://doi.org/10.3788/CJL201643.0811001

Chinen, K., & Endo, H. (2012). Effects of Attitude and Background on Personal Financial Ability: A Student Survey in the United States. International Journal of Management, 29(1), 33.

Debra, P. (2003). Financial Values, Attitudes and Goals. North Dakota State University Fargo, North Dakota 58105., 4.

Dwiastanti, A. (2017). Analysis of financial knowledge and financial attitude on locus of control and financial management behavior. Management and Business Review, 1(1), 1. https://doi.org/10.21067/mbr.v1i1.2043

Hawkins, D. I., & Mothersbaugh, D. L. (2010). Consumer behaviour - building marketing strategy. In Metalurgia International (11th ed., Vol. 18, Issue 8). McGraw-Hill Irwin Company.

Herawati, N. T., Candiasa, I. M., Yadnyana, I. K., & Suharsono, N. (2018). Factors That Influence Financial Behavior Among Accounting Students in Bali. International Journal of Business Administration, 9(3), 30. https://doi.org/10.5430/ijba.v9n3p30

Herdjiono, I., Damanik, L. A., & Musamus, U. (2016). Pengaruh Financial Attitude, Financial Knowledge dan Parental Income Terhadap Financial Management Behavior. Manajemen Teori Dan Terapan, 1(3), 226–241.

Hilgert, M. A., & Hogarth, J. M. (2003). Household Financial Management: The Connection between Knowledge and Behavior. Revista de Investigaciones Veterinarias Del Perú, 20(2). https://doi.org/10.15381/rivep.v20i2.609

Hussein, A. S. (2015). Penelitian Bisnis dan Manajemen Menggunakan Partial Least Squares ( PLS ) dengan smartPLS 3 . 0.

Ida, & Dwinta, C. Y. (2010). Pengaruh locus of control, financial knowledge dan income terhadap finacial management behavior. Jurnal Bisnis Dan Akuntansi, 12(3), 131–144.

Imam Ghozali dan Hengky Latan. (2015). Partial Least Square Konsep Teknik dan Aplikasi Menggunakan smartPLS 3.0. Badan Penerbit Universitas Diponegoro.

Kholilah, N. Al, & Iramani, R. (2013). Studi Financial Management Behavior Pada Masyarakat Surabaya. Journal of Business and Banking, 3(1), 69. https://doi.org/10.14414/jbb.v3i1.255

Laily, N. (2013). Pengaruh Literasi Keuangan Terhadap Perilaku Mahasiswa Dalam Mengelola Keuangan. Journal of Accounting and Business Education, 1(4). https://doi.org/10.26675/jabe.v1i4.6042

Lianto, R., & Elizabeth, S. M. (2017). Analisis Pengaruh Financial Attitude, Financial Knowledge, Income Terhadap Financial Behavior Di Kalangan Ibu Rumah Tangga Di Kalangan Ibu Rumah Tangga Palembang (Studi Kasus Kecamatan Ilir Timur I). 1–12.

Lusardi, A., Mitchell, O. S., & Curto, V. (2010). Financial Literacy among the Young. The Journal of Consumer Affairs, Vol. 44(No. 2), 22. http://www.councilforeconed.org/wp/wp-content/uploads/2011/11/Financial-Literacy-for-Young-Lusardi.pdf

Lusardi, A., & Tufano, P. (2008). Debt literacy, financial experiences, and overindebtedness. Journal of Pension Economics and Finance, 14(4), 332–368. https://doi.org/10.1017/S1474747215000232

Mariza Syafitri, T., & Santi, F. (2017). The Impact of Money Attitude on Personal Financial Management Behavior, and Self-Control as Moderation Variables. 1–10.

Marsh, B. a. (2006). Knowledge Levels of First-Year and Senior Students At Baptist. Most, August. https://doi.org/10.1080/15363750701331562

Mien, N. T. N., & Thao, T. P. (2015). Factors Affecting Personal Financial Management Behaviors: Evidence from Vietnam. Hypertension, 47(3), 327–328. https://doi.org/10.1161/01.HYP.0000200705.61571.95

Rajna, A., Ezat, W. S., Junid, S. Al, & Moshiri, H. (2011). Financial Management Attitude and Practice among the Medical Practitioners in Public and Private Medical Service in Malaysia. International Journal of Business and Management, 6(8). https://doi.org/10.5539/ijbm.v6n8p105

Ramadhianisa, A. (2017). Analisis tingkat Financial iteracy dan Financial Behavior Karyawan PT Telkom Semarang. 7(1), 76–99.

Rasyid, R. (2012). Analisis Tingkat Literasi Keuangan Mahasiswa Program Studi Manajemen Fakultas Ekonomi Universitas Negeri Padang. Jurnal Kajian Manajemen Bisnis, 7(June), 1–25.

Ricciardi, V., & Simon, H. K. (2000). What Is Behavioral Finance? Behavioral Finance and Wealth Management, 3–21. https://doi.org/10.1002/9781119202400.ch1

Robb, C. A., & Sharpe, D. L. (2009). Effect of personal financial knowledge on college students’ credit card behavior. Journal of Financial Counseling and Planning, 20(1), 25–43.

Shohib, M. (2015). Sikap Terhadap Uang dan Perilaku Berhutang. Journal of Chemical Information and Modeling, 03(9), 1689–1699. https://doi.org/10.1017/CBO9781107415324.004

Sommer, L. (2011). The Theory Of Planned Behaviour And The Impact Of Past Behaviour. International Business & Economics Research Journal (IBER), 10(1), 91–110. https://doi.org/10.19030/iber.v10i1.930

Sugiyono. (2013). Metode Penelitian Kuantitatif Kualitatif Dan R&D. Alfabeta, cv.

Utami, S. S. (2010). Pengaruh Teknologi Informasi Dalam Perkembangan Bisnis. Jurnal Akuntansi Dan Sistem Teknologi Informasi, 8, 61–67.




DOI: https://doi.org/10.29264/jimm.v7i2.9758

Refbacks

  • There are currently no refbacks.


Copyright (c) 2022 Jurnal Ilmu Manajemen Mulawarman (JIMM)

 
 
JIMM is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License